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11644 HWY 88 West, Creston, NC, 28615

5beds
4baths
5,425sqft
$599,000
$110price/sqft
$3,967/moest. monthly cost
$158,680/yrincome needed

About This Home

Experience the ease of one-level living with the incredible bonus of a fully finished lower level that functions like a home of its own. Situated on over 3 unrestricted acres in a well-established neighborhood with no HOA fees, this meticulously maintained, one-owner brick ranch offers exceptional space, flexibility, and value. This spacious home features 5 bedrooms, 4 full bathrooms, 2 family rooms, a living room, 2 fully equipped kitchens, two laundry spaces, 2 dining areas, 3 fireplaces, a beautiful sunroom, and a detached two-car garage with an upstairs workshop. A covered drive-through patio provides convenient, no-step entry, making everyday access easy and comfortable. Pride of ownership is evident throughout. Recent improvements include a stunning vaulted sunroom addition, a newly added bathroom with a walk-in shower, a new roof in 2023, a state-of-the-art moisture control system installed in 2024 before Hurricane Helene, new flooring in the lower level, a newer heat pump with a new compressor installed in 2024, newer windows, and many other updates. While this home is move-in ready, with just a few cosmetic touches, it could truly become a showplace. Nature lovers will appreciate a walk-in access to the New River, just steps from the front door. Fish, float, or just enjoy the riverbank. Best of all, the property is not located in a flood zone, so flood insurance is not required. Enjoy easy year-round access with the paved circular driveway. Just 12 minutes from West Jefferson and only 35 minutes from Boone, you are never far away from dining, shopping, entertainment, fishing, hiking, parks, and more. The beautifully landscaped front yard offers mountain views, while the backyard provides a peaceful, private setting filled with mature trees, flowering plants, and abundant wildlife. The inviting sunroom is the perfect place to relax beside the cozy fireplace and watch the winter snowfall through the expansive windows, giving you the feeling of being outdoors while enjoying the comfort of home. This versatile property offers endless possibilities. The lower level is ideal for a mother-in-law suite, private living quarters for an adult child, caregiver accommodations, or as a separate 2-bedroom, 1-bath residence for rental income. It could also serve as a guest suite, home office, or multigenerational living space. Offered at approximately $110 per square foot, this is an exceptional value for a home of this size, quality, and versatility. Come discover all that West Jefferson in Ashe County has to offer and make this beautiful mountain property your next home. Appointments are required for all showings.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
1
BikeSomewhat Bikeable

Schools

7/10
Blue Ridge ElementaryGrades K-64.1 mi
10/10
Ashe County MiddleGrades 7-85.3 mi
4/10
Ashe County HighGrades 9-128.1 mi

Construction

Condition

  • Year built: 1971

Materials

  • Foundation: Basement
  • Roof: Architectural,Shingle
  • Construction materials: Brick,Vinyl Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Architectural style: Ranch
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dryer,Dishwasher,Electric Cooktop,Electric Range,Microwave Hood Fan,Microwave,Refrigerator,Washer
  • Laundry features: Dryer Hookup,Main Level,Upper Level

Basement

  • Has basement: Yes
  • Basement: Exterior Entry,Full,Finished,Interior Entry,Walk-Out Access

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4

Features

  • Furnished,Second Kitchen
  • Number of fireplaces: 2
  • Fireplace features: Two,Gas,Masonry,Vented,Wood Burning,Propane
  • Fireplace: Yes
  • Finished area below ground: 2,498
  • Finished area above ground: 2,927

Heating & Cooling

  • Heating features: Baseboard,Electric,Fireplace(s),Gas,Heat Pump,Wood
  • Cooling features: Electric,Heat Pump

Interior Area

  • Total structure area: 5,425
  • Total interior livable area: 5,425 sqft

Property

Details

  • Parcel number: 022939338755

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered
  • Exterior features: Out Building(s),Storage
  • Has view: Yes
  • View description: Mountain(s),River,Trees/Woods
  • Has water view: Yes
  • Water view: River
  • Waterfront features: Creek,River Access,Stream

Lot

  • Lot size: 3 Acres

Parking

  • Total spaces: 2
  • Parking features: Asphalt,Carport,Driveway,Detached,Garage,Two Car Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes
  • Carport: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Cold Wave
    Cold WaveRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Landslide
    LandslideModerate
  • Lightning
    LightningModerate
  • Winter Weather
    Winter WeatherModerate

How This Home’s Risks Compare

Cold Wave
Inland Flooding
Strong Wind
Landslide
Lightning
Winter Weather

FEMA Declared Disasters in Ashe County and North Carolina

Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Depression
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,028$36,336
Home Insurance *$205$2,460
Property Taxes $229$2,748
Electricity $505$6,063
Total$3,967$47,604
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$136,011/yr
40% on housing$119,010/yr
45% on housing$105,786/yr

North Carolina FAIR Plan Programs

North Carolina Joint Underwriting Association - FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →

NCIUA - Coastal Property Insurance Pool (CPIP)

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 235,990Commercial: 10,165
Total Premiums$278.20M
Total Exposure$57.33B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 14.5%
14.5%
0%30.0%
Electricity Growth Rate10-year average: 4.0%
4.0%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$110This listing

vs Other Active Listings

Avg $/sqft

ZIP 28615$259
Ashe County$205

vs Homes Sold Last Month

Median $/sqft

ZIP 28615
Ashe County$232

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-16Listed for sale$599,000

For Sale by Agent

AgentSandara Dollar
BrokerageRealty One Group Results

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